专利名称：Computer-implemented lending analysis
systems and methods
发明人：Clark R. Abrahams,Mingyuan Zhang申请号：US11212289申请日：20050826
公开号：US20070050286A1公开日：20070301
专利附图：
摘要：In accordance with the teachings described herein, computer-implementedlending analysis systems and methods are provided. A pre-processing module may beused to organize loan applicant data into a plurality of applicant groups based on one or
more demographic factors, wherein a protected class is identified from the plurality ofapplicant groups. An index generation module may be used to calculate a plurality ofdisparity indices for the protected class by comparing lending-related data for theprotected class with lending-related data for one or more control groups selected fromthe applicant groups. An indicator generation module may be used to calculate one ormore singular indicators for the protected class by comparing the disparity indices withone or more reference indices. The indicator generation module may be further used tocalculate a global indicator as a function of a plurality of singular indicators.
申请人：Clark R. Abrahams,Mingyuan Zhang
地址：Cary NC US,Cary NC US
国籍：US,US
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